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The problem with growing up without money is that I once I had some, all I wanted to do was spend it. So began my (still continuing!) adult journey from spending money, just because it was there, to becoming financially savvy and independent. Here are some books that have helped me work towards the latter.

I have never been a member of Debtors Anonymous, but you certainly don’t need to be a part of DA to gain knowledge from this book. First published in 1988, there are timeless principles here that you can use. Mundis tells you that you must keep an ongoing spending record (done more easily now with sites like Mint.com) of all money going out and in, and from that you can glean a spending plan, versus a budget. He also has a formula of how much to pay each creditor each month while still being able to live on your existing income. Most importantly, he encourages baby steps: just take one day at a time not to incur new debt, while reminding you that there is hope to lead a financially stable life.